QUOTING PROTOCOL
What documents are you supposed to ask the customer before starting a quote?
Id & Pow
Liability
Is the minimum coverage the state of Texas requires you to have in order to drive your vehicle. It covers in case of a car accident, that is your fault; you have coverage for the other vehicle.
If one person is hurt in the other vehicle, we will pay up to $30,000 in medical bills.
If more than one person is hurt in the other vehicle, we will pay up to $60,000 in all medical bills combined.
And we will pay up to $25,000 for any property you may damage.
How many C/C vehicles can you have on a Co 65 C/C?
One
Name of all the reports?
HDR, CR, ADP, CLUE
It's too expensive.
Moderator decides if it is acceptable due to there is many that could be used.
(Don't Agree with Customer!)
**CLOSE THE SALE**
What is the list of documents you need to start a policy?
(Need all of them)
ID's, POW, Payment Info, Vehicle(s) for Inspection & Proof for Discounts.
Uninsured/Underinsured Motorist?
Covers in case of an accident that is NOT your fault & the other person DOES NOT have insurance. You have coverage for your passengers and your vehicle.
If one person is hurt in your vehicle, we will pay up to $30,000 in medical bills.
If more than one person is hurt in your vehicle, we will pay up to $60,000 in all medical bills combined.
And we will pay up to $25,000 for any damage done to your vehicle. You pay the first $250 in damages.
What programs offer the Prior Discount?
Co 66, Co 78
What do we find on HDR?
DL search (verifies name, ID/DL, DOB)
Criminal Report
VIN search (verifies vehicle's owner, lienholder)
Excluded Drivers
I don't want to be set up on Draft.
Moderator decides if it is acceptable due to there is many that could be used.
(Push draft!)
**CLOSE THE SALE**
When do you offer the Multi-car discount
After asking how many vehicles they will be insuring
Comprehensive & Collision
Comprehensive: Covers damage done to your vehicle from fire, theft, vandalism, sand damage, hail damage, or flood damage. You pay the first $____ (Amount of deductible) in damages.
Collision: Covers damage done to your vehicle when you run into someone, or someone runs into you. You pay the first $____ (Amount of deductible) in damages.
Which programs can you not add Business Use vehicles?
Co 76 & Co 78
What do we find on ADP?
ADP: Possible Drivers, Possible Vehicles, Prior Insurance
The deductible is too high.
Moderator decides if it is acceptable due to there is many that could be used.
(Don't Agree with Customer!)
**CLOSE THE SALE**
Recite the company benefits.
While I wait for the computer to generate your quote, let me tell you what makes us different from other companies. We have 95 offices throughout the Houston area, this is important because we can service your policy at any of our locations. B/c we are the company, you will deal with us directly in all aspects of your policy including an axx. We have a local claims department which means you will receive immediate claim service. You aren't penalized for minor moving violations & we don't charge fees to renew your policy. You can immediately buy this policy otp. What I’m quoting you with is…
What is deductible reimbursement program?
Reimburses the deductible in the event of a loss where the vehicle is considered a TOTAL LOSS.
What's the main difference from Co 63 & Co 65 liability
Co 63 is a 90 day policy &
Co 65 liab is a 30 day policy
What do we find on C.L.U.E.?
C.L.U.E.: Possible Drivers, Possible Vehicles, Prior Insurance, Claims
My policy is still active until 5 days from today.
Moderator decides if it is acceptable due to there is many that could be used.
(Push for sale now!)
**CLOSE THE SALE**
What is the process/steps to set up an appointment?
(4 steps)
Set a good date & time on back of the quote sheet along with my name & office address
Fill out the customers Email, SSN, DL # & Occupation
Write down the list of docs. needed to start the policy
Ask for referrals!
What are the 3 main differences of UM & C/C?
*At fault (UM has to not be at fault & C/C Fault doesn't matter.)
*Deductible ( UM is a $250 ded. & C/C has a $2500 or $2000 or $1500 ded. with regional approval.)
*UM covers medical bills & C/C only covers the vehicle
What are the requirements for Co 89 when NI isn't adding Spouse to the Policy?
Set NI's marital status as "single" &
Proof of Insurance from Spouse
When should you team up with your manager after running reports?
When excessive claims or high risk payouts
or when criminal history too busy with vehicle related infractions
I am paying the same thing with my current carrier.
Moderator decides if it is acceptable due to there is many that could be used.
**CLOSE THE SALE**